CP 00 30 Business Income (And Extra Expense) Coverage Form

An Insurance Services Office (ISO) standard form. Coverage form for the business income you lose and the extra expense you incur when direct physical loss or damage from a covered cause suspends your operations, with additional coverages such as civil authority and extended business income.

1. 10 12 edition

   Oct 2012, compared with 06 07Latest edition

   • Extended business income now runs up to 60 days after operations resume instead of 30.

     06 07

     “30 consecutive days after the date determined in (1)(a) above”

     10 12

     “60 consecutive days after the date determined in (1)(a) above”

   • The $2,500 annual limit for interruption of computer operations can now be raised by a higher limit in the Declarations.

     06 07

     Not in this edition

     10 12

     “is $2,500 (unless a higher limit is shown in the Declarations)”

   • For personal property in the open or in a vehicle, the premises now extend 100 feet from the building or from the described premises, whichever is greater.

     06 07

     “area within 100 feet of the site at which the described premises are located”

     10 12

     “within 100 feet of the premises described in the Declarations, whichever distance is greater”

   • The period of restoration now excludes extra time needed to comply with an ordinance or law, not only to enforce it.

     06 07

     Not in this edition

     10 12

     “enforcement of or compliance with any ordinance or law that”

2. 06 07 edition

   Jun 2007, compared with 04 02

   • Civil authority coverage now requires that access to the area around the damaged property be prohibited and that your premises be within that area and no more than one mile away.

     04 02

     Not in this edition

     06 07

     “the described premises are within that area but are not more than one mile from the damaged property”

   • Civil authority coverage for business income now lasts up to four consecutive weeks instead of three.

     04 02

     “will apply for a period of up to three consecutive weeks after coverage begins”

     06 07

     “apply for a period of up to four consecutive weeks”

1 other edition date appears in one or two filings each, often carrier-specific versions: 10 90.

• Edition in use: in the past 12 months, 7 companies filed the 10 12 edition.
• CP 00 10 (Building and Personal Property Coverage Form) is filed alongside it most often, in 125 of the same filings (95%).

Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to Jul 2026, excluding withdrawn and rejected filings. One filing can cover several affiliated companies.

• Liberty Mutual GroupFiles its own version: 1P0002FR Business Income And Extra Expense Coverage Form (31 states)

• CP 00 10Building and Personal Property Coverage Form125 filings
• CP 12 18Loss Payable Provisions116 filings
• CP 00 90Commercial Property Conditions115 filings
• CP 00 18Condominium Commercial Unit- Owners Coverage Form106 filings
• CP 01 40Exclusion of Loss Due to Virus or Bacteria102 filings
• CP 10 30Causes of Loss - Special Form101 filings
• IL 09 35Exclusion of Certain Computer- Related Losses99 filings
• CP 12 19Additional Insured - Building Owner98 filings
• CP 10 33Theft Exclusion96 filings
• CP 04 11Protective Safeguards94 filings